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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,143 | $73,787-6.3% | $98,716-30.0% | $82,448-16.1% |
| Participation rate | 59.3% | 61.4%-2.1pp | 69.3%-10.0pp | 68.1%-8.8pp |
| Annual return | 10.99% | 18.57%-7.6pp | 31.81%-20.8pp | 41.64%-30.7pp |
| Employer contribution / active EE | $542 | $1,511-64.1% | $2,279-76.2% | $2,551-78.8% |
| Participant deferral / active EE | $992 | $3,081-67.8% | $4,048-75.5% | $4,139-76.0% |
| Admin fee / account holder | $1,543 | $6,500-76.3% | $8,703-82.3% | $7,234-78.7% |